Updated Mar 29, 2019

Brighter Investment

www.brighterinvestment.com

Thijs Mathot

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Invest in the higher education of the brightest students in developing countries. Our graduates increase their income 5X, are 6X less likely to be unemployed and contribute to the development of their countries. Investors share in the created value.

Our model is simple:
  • - Our data driven underwriting algorithm selects the brightest students and we focus on the best degrees.
  • - We cover the full education costs for diversified cohorts of 1st, 2nd, 3rd and 4th year students.
  • - Students are connected with mentors to kickstart a successful career.
  • - After graduation students repay a percentage of their income ...
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Our model is simple:
  • - Our data driven underwriting algorithm selects the brightest students and we focus on the best degrees.
  • - We cover the full education costs for diversified cohorts of 1st, 2nd, 3rd and 4th year students.
  • - Students are connected with mentors to kickstart a successful career.
  • - After graduation students repay a percentage of their income for a set period of time (typically 6 years).
  • - A combination of social, legal and technical factors ensure that students make their monthly repayments.
  • - Investors receive distributions in year 2-12 from repayments made by the graduated students in their diversified cohort.
  • - 20 years of historic data shows that investor returns are predictable and hedged against FX risk.
  • - Brighter Investment gets a performance based management fee over the invested capital.
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Stage 4: Transition to Scale

We've invested in 220 students to date and the results outperform our projections in every category. We're raising capital to expand our program, also beyond the borders of Ghana.

Focus Areas:

Social & Micro Finance, Higher Education, Inclusive Education and 5 MoreSEE ALL

Social & Micro Finance, Higher Education, Inclusive Education, Economic Empowerment, Education, Gender Equity, Inclusion and YouthSEE LESS

444
Lives Impacted to Date
229
Customers
5
Employees
$800,000
Funds Raised to Date

Problem

Poverty is a prevalent problem in developing countries and youth unemployment often surpasses 30%. At the same time, many flourishing companies struggle to find qualified employees. The result is a very high ROI from higher education, a good degree increases income 5X, contributes to the development of the country. Unfortunately these degrees are out of reach for most of the population, banks don’t provide student loans and there are very few scholarships.

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Solution

What if, instead of limiting these young students’ futures because of their family financial reality, we provide investors with the opportunity to back the future leaders in engineering, science, medicine, and business for a stake in their future income? Such a partnership benefits both student and investor, socially and financially. The deal is: we pay for their higher education, and after graduating students repay our investors a percentage of their income, typically 25% for 6 years.

Competitive Advantage

We’ve taken a data driven approach to this problem and have developed an underwriting algorithm that allows us to back the most promising students pursuing the degrees with the best career prospects.
Funding Goal1,000,000
New Implemented CountriesKenya, Uganda, South Africa

Milestone

Mar 2019
Recognition ReceivedPENDING
Sep 2018
Lives Impacted
229
Sep 2017
Lives Impacted
131
Sep 2016
Lives Impacted
60
Sep 2015
Lives Impacted
24
Sep 2015
Created

Supporting Materials

Pitch-presentation-Brighter-Investment-Feb-2019.pdf